Should You Go ‘All In’ on Bitcoin? Binance Founder Changpeng Zhao Has the Answer

Binance co-founder Changpeng “CZ” Zhao remains bullish on Bitcoin(CRYPTO: BTC) and crypto over the long term, but warned investors against going “all-in.”

Not “All-In,” But Dollar Cost Averaging

Speaking during the Bali Clubhouse 2026 AMA on Sunday, Zhao was asked what the 2026 equivalent would be of his decision to sell his apartment and buy Bitcoin in 2014.

“I would not tell anyone to sell their apartment to go all in,” Zhao said, particularly if the property represents most of their wealth.

Instead, CZ recommended dollar-cost averaging, suggesting investors allocate a small portion of income that does not affect their lifestyle toward established cryptocurrencies.

Zhao said he remains confident that “Bitcoin will continue to grow,” alongside BNB(CRYPTO: BNB) and other strong crypto projects, while stressing the significant volatility involved.

Asked whether BTC’s traditional four-year cycle was breaking down, Zhao pushed back.

“I think the four-year cycle still holds very strongly,” he said, noting that the current market environment resembles the bear-market phase seen four years earlier.

However, CZ stopped short of predicting exactly what will trigger the next crypto cycle.

Given that Bitcoin’s total supply is capped and the usable supply continues to decrease as coins are permanently lost, CZ deemed Bitcoin a “deflationary asset.”

What Will Be Next Major Catalyst?

While CZ remains unsure whether AI, real-world assets or DeFi will provide crypto’s next major catalyst, his broader thesis remains bullish.

He is particularly optimistic about RWA tokenization, but said it is difficult to know whether RWAs, tokenized equities, decentralized exchanges or another innovation will drive crypto to its next all-time highs.

Zhao pointed to DeFi’s emergence in 2020 as an example of how quickly new narratives can develop.

CZ expects DeFi, perpetual DEXs and blockchains to remain integral parts of the industry.

“The best way to not be threatened by crypto is just to adopt crypto,” he said, drawing a parallel with AI tools that he expects to become broadly available to investors and developers.

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